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Second a VPN does not protect against viruses. If you need one I have had good service from Nord VPN when I used one in the past.
VPN don't really help and unless it's a good one like NORS, you're wasting your time.
If you surf and game mainly from a single ISP (like at your home location) look at setting up a Pi-hole using as Raspberry Pi. As a means of better router filtering and blocking. Configure your Gateway/Router better and manually change the IPV4 and IPV6 DNS
malwarebytes is peddled around here a lot but the detection scores leave a lot to be desired
On Windows, Windows Defender was plenty capable. The Firewalls worked fine too without needing another one.
Not sure why a VPN relates at all TBH. They do two different things. I use Nord VPN though, it works fine.
Here on Linux, anti-virus' aren't as relevant. Just make sure you don't run anything sketchy and you are usually pretty good.
Not trying to be all up in OP's business, but the "age verification in some countries" might mean that he does specifically require the functionality of a VPN for navigation of some web sites and the only way around that is a VPN sometimes so if it's a matter of paying than it is a legit question to ask whether he can just stop paying for an antivirus so that he can pay for a VPN, even if the VPN itself isn't for security purposes but functionality and access. This is what I'm thinking.
windows sandbox is one of the easiest to put in your daily routine due to how fast it starts
you can enable windows sandbox by going to start and typing turn windows features on or off then selecting windows sandbox and windows update will gather the files and ask for restart afterwards you search windows sandbox in start and i would advise just adding it to your taskbar for convenience
note windows sandbox is volatile what this means you close it it is wiped out of existence and a new instance is created when you launch it again
just a few things do not log into accounts or banks or whatever on a vm that is only for the host unless you actually use hyperv which can also be enabled from the turn windows features on or off menu or use vmware/virtualbox
just a note virtual machines are not a guarantee nothing can get to the host but it is pretty close to it most of the past vulnerabilities involve gpu acceleration but that isn't the biggest vulnerability and this counts for the host aswel it is user error
other then that if you notice someone got into your vm delete it or close it on the sandbox as soon as someone is actually in the vm then they might be able to get outside of it
this is also why you see security focused channels on youtube nope the f out when they notice someone in their vm's
does mean that say you visit a site that infects your pc with a infostealer that you as long as you followed the safety rules of not adding any accounts would have nothing to grab note as far as i know windows defender still reacts to late when it comes to infostealers giving you a false sense of security because it detected it problem is the data is already sent they are exploiting how windows defender detects infections
also there is a windows defender bypass script on github that still works so ehm yeah
lastly use virustotal.com and if you want more info https://any.run/ before considering running anything you got from the web that aint from trusted sites
tools for seeing what your system is actually doing : https://learn.microsoft.com/en-us/sysinternals/downloads/sysinternals-suite
VPNs are an additional stage, but not the same deal. That might add some privacy and block the adware... but it won't stop a virus or ransomware. Most viruses are less destructive these days and more on the stealth, people in BotNets, Miners or similar don't even really know, except that their PC runs really slow.